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【速搜问答】贷款人和借款人的区别

问答 admin 9个月前 (03-21) 153次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

贷款人是指在借贷活动中运用信贷资金或自有资金,向借款人发放贷款的人或金融机构,一般指商业银行、央行;借款人是指在信贷活动中以自身的信用或财产作保证,或者以第三者作为担保,而从贷款人处借得货币资金的企事业单位或个人。

The lender refers to the person or financial institution that makes loans to the borrower by using credit funds or self owned funds in lending activities, generally refers to commercial banks and central banks; the borrower refers to the enterprise, institution or individual that borrows monetary funds from the lender with its own credit or property as guarantee or with a third party as guarantee in lending activities.

贷款人是指在借贷活动中运用信贷资金或自有资金,向借款人发放贷款的人或金融机构,一般指商业银行、央行;借款人是指在信贷活动中以自身的信用或财产作保证,或者以第三者作为担保,而从贷款人处借得货币资金的企事业单位或个人。

The lender refers to the person or financial institution that makes loans to the borrower by using credit funds or self owned funds in lending activities, generally refers to commercial banks and central banks; the borrower refers to the enterprise, institution or individual that borrows monetary funds from the lender with its own credit or property as guarantee or with a third party as guarantee in lending activities.

通俗的来讲,我们个人像银行申请贷款,我们是借款人,银行为贷款人。借款人与贷款人作为一种相互关系,享受着相应的权利和应尽的义务,但相对来说,贷款人在借贷中占有主导地位。

Generally speaking, we apply for loans like banks. We are borrowers and banks are lenders. As a kind of mutual relationship, the borrower and the lender enjoy the corresponding rights and obligations, but relatively speaking, the lender plays a dominant role in the loan.

借款人范围比贷款人范围更广,贷款人一般是指在银行办理贷款业务的客户。首先,贷款人和借款人是借贷关系中相对应的双方。借款人作为申请贷款的一方,需要满足相应的条件,才能从贷款人处获得信贷资金。

The scope of borrowers is wider than that of lenders. Generally speaking, lenders refer to customers who handle loan business in banks. First of all, the lender and the borrower are the corresponding parties in the lending relationship. The borrower, as the party applying for the loan, needs to meet the corresponding conditions in order to obtain the credit funds from the lender.

而贷款人作为贷款审批/发放的一方,可以将信贷资金或自有资金,向符合贷款条件的借款人发放。成功获得贷款的借款人,除了需按合同约定按时偿还贷款本息之外,还需按照约定用途使用贷款。如果不能正常还款,需向贷款人说明情况,协商处理。

As the Party of loan approval / issuance, the lender can release the credit funds or its own funds to the borrowers who meet the loan conditions. In addition to repaying the principal and interest of the loan on time as agreed in the contract, the successful borrowers also need to use the loan according to the agreed purpose. If normal repayment cannot be made, the situation shall be explained to the lender for negotiation.

相对于借款人,贷款人有提供贷款的义务,和对借款人贷款使用情况监督的权利。如果贷款用途不合规范,贷款人有权停止发放贷款或提前收回贷款。

Compared with the borrower, the lender has the obligation to provide the loan and the right to supervise the use of the loan. If the purpose of the loan is not up to standard, the lender has the right to stop issuing the loan or recover the loan in advance.

借款人权利

Borrower’s rights

1、借款人有权要求贷款人依照约定的日期、数额提供借款;

1. The borrower has the right to require the lender to provide the loan in accordance with the agreed date and amount;

2、借款人有权依照约定的资金用途使用贷款;

2. The borrower has the right to use the loan in accordance with the agreed purpose of funds;

3、当借款合同对借款期限没有约定或约定不明确,依照合同法第六十一条规定仍不能确定的,借款人可以随时返还借款;

3. If the term of the loan is not stipulated or clearly stipulated in the loan contract and cannot be determined in accordance with Article 61 of the contract law, the borrower may return the loan at any time;

4、借款人可以在还款期限届满之前向贷款人申请展期。

4. The borrower may apply to the lender for extension before the expiration of the repayment period.

贷款人权利

Lender’s rights

1、要求借款人提供与借款有关的资料;

1. Require the borrower to provide information related to the loan;

2、根据借款人的条件,决定贷与不贷、贷款金额、期限和利率等;

2. According to the borrower’s conditions, decide whether to lend or not, loan amount, term and interest rate, etc;

3、了解借款人的生产经营活动和财务活动;

3. Understand the production and operation activities and financial activities of the borrower;

4、依合同约定从借款人账户上划收贷款本金和利息;

4. Collect the loan principal and interest from the borrower’s account in accordance with the contract;

5、借款人未能履行借款合同规定义务的,有权依合同约定要求借款人提前归还贷款或停止支付借款人尚未使用的贷款;

5. If the borrower fails to fulfill its obligations under the loan contract, it has the right to require the borrower to repay the loan in advance or stop paying the unused loan in accordance with the contract;

6、在贷款将受到或已受到损失时,可依据合同规定,采取使贷款免受损失的措施。

6. When the loan will suffer or has suffered losses, measures can be taken to protect the loan from losses in accordance with the provisions of the contract.

以上就是借款人和贷款人的区别,智汇魔方在这里再次提醒各位小伙伴,在享受权利的同时也应该注意履行自己按时付息还款等义务。

The above is the difference between the borrower and the lender. Zhihui Rubik’s cube reminds you once again that while enjoying the rights, you should also pay attention to fulfill your obligations such as paying interest on time.


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